Privacy Policy

Clutch Risk, a division of Clutch Administration LLC ("Clutch Risk," "we," "us," or "our"), is committed to protecting the privacy of our clients and website visitors. This Privacy Policy describes how we collect, use, disclose, and protect your personal information in connection with our insurance services and website located at clutchrisk.com.

1. Information We Collect

We collect personal information necessary to provide insurance quotes, bind coverage, and service your policies. This may include:

• Personal identifiers: Name, address, date of birth, driver's license number, Social Security number
• Contact information: Phone number, email address, mailing address
• Vehicle information: Make, model, year, VIN, usage details
• Property information: Home address, property details, existing coverage
• Financial information: Payment information for premium processing
• Driving history: Motor vehicle records, claims history, prior insurance
• Website data: IP address, browser type, pages visited, cookies and similar technologies

2. How We Use Your Information

We use your personal information to:

• Provide, bind, and service insurance policies
• Obtain quotes from insurance carriers on your behalf
• Process premium payments and policy changes
• Communicate with you about your coverage, renewals, and claims
• Comply with Michigan insurance laws and regulations
• Detect and prevent fraud
• Improve our website and services
• Send marketing communications (you may opt out at any time)

3. Sharing of Information

We do not sell your personal information. We may share your information with:

• Insurance carriers: To obtain quotes and bind coverage on your behalf
• Service providers: Third parties that assist us in operating our business (CRM, payment processing, analytics) under strict confidentiality agreements
• Regulatory authorities: The Michigan Department of Insurance and Financial Services (DIFS) and other government agencies as required by law
• Legal proceedings: When required by court order, subpoena, or applicable law
• Business transfers: In connection with a merger, acquisition, or sale of assets

4. Michigan-Specific Disclosures

As a Michigan-licensed insurance agency (License #22231445), we comply with the Michigan Insurance Code (MCL 500.100 et seq.) and the Michigan Consumer Protection Act. Under Michigan law:

• You have the right to access personal information we hold about you
• You may request correction of inaccurate information
• You may request that we not share your information with affiliated companies for marketing purposes by contacting us directly
• We are required to maintain the confidentiality of nonpublic personal financial information under the Gramm-Leach-Bliley Act (GLBA)

5. Gramm-Leach-Bliley Act (GLBA) Notice

As a financial institution under the GLBA, we are required to provide this notice about our privacy practices. We collect nonpublic personal information about you from applications, transactions, and consumer reporting agencies. We do not disclose nonpublic personal information to nonaffiliated third parties except as permitted by law and described in this policy.

6. Data Security

We implement appropriate technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission, secure storage, and access controls. However, no method of transmission over the internet is 100% secure.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze site traffic, and support our marketing efforts. You may control cookie settings through your browser. Disabling cookies may affect certain website functionality.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

10. Retention of Information

We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are retained in accordance with Michigan Department of Insurance and Financial Services requirements.

11. Your Rights and Choices

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Opt out of marketing communications at any time
• Request deletion of your information, subject to legal and regulatory retention requirements

To exercise any of these rights, contact us at the information below.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new effective date. Your continued use of our services following any changes constitutes your acceptance of the revised policy.

13. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: